Bürgschaftsbank Mecklenburg-Vorpommern

What Bürgschaftsbank Mecklenburg-Vorpommern does

Bürgschaftsbank Mecklenburg-Vorpommern GmbH (BMV) is a regional German guarantee bank (Bürgschaftsbank) founded in 1990 in Schwerin, operating under a public mandate to provide default guarantees (Ausfallbürgschaften) that substitute for missing collateral, enabling SMEs in Mecklenburg-Vorpommern to access bank credit. It is one of 16 regional guarantee banks under the Verband Deutscher Bürgschaftsbanken (VDB) umbrella, with a multi-stakeholder ownership structure spanning private banks (Commerzbank, Deutsche Bank, UniCredit), cooperative banks (DZ BANK, VR Bank), public-sector banks (NORD/LB, OstseeSparkasse Rostock), insurance companies (SIGNAL IDUNA), chambers (IHK, HWK), and state institutions. Headcount is approximately 15–30 staff.

BMV's product suite comprises six guarantee programs: BMV classic (up to €2.0M guarantee, 1.50% processing fee, 1.50% annual Avalprovision), BMV premium (€0.5–2.0M, 50% guarantee, 0.90% Avalprovision for risk-class 1–6 borrowers), BMV express (72-hour decision, €25K–€437.5K guarantee at 70%), BMV direkt (direct application without prior bank commitment, up to €2.0M), BMV Agrar Land (agricultural specialization, up to €2.5M), and the ERP-Förderkredit Gründung und Nachfolge (KfW-subsidized loan with 100% BMV guarantee coverage, up to €500K). Supporting infrastructure includes the Finanzierungsportal, eAntrag digital application, secure Uploadportal, KMU-Rechner business valuation tool, and the Nachfolgezentrale MV succession matching platform.

Revenue is generated through recurring annual Avalprovision fees (0.90%–1.50% on outstanding guaranteed balances) plus one-time Bearbeitungsgebühr processing fees (0.75%–1.50% on approved amounts). Go-to-market is exclusively intermediated: bank partners (Hausbanken), leasing advisors, tax and business advisors, and IHK/HWK chambers originate applications; BMV does not take deposits and embeds its guarantee within partner-bank loan products. In 2025, BMV approved 130 projects with €38.7M in guarantee volume supporting €51.7M in total financing and 1,966 jobs.

Name

Bürgschaftsbank Mecklenburg-Vorpommern

Legal name

Bürgschaftsbank Mecklenburg-Vorpommern GmbH

Website

https://mv.ermoeglicher.de

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

11–50 employees

Short description

Bürgschaftsbank Mecklenburg-Vorpommern is a regional German guarantee bank that provides collateral-substituting credit guarantees to SMEs in Mecklenburg-Vorpommern through six programs, distributed via partner banks and chambers.

Ownership category

akta.pro rank

Product category

Public Development Banking / SME Guarantee Banking

NAICS

Nondepository Credit Intermediation (5222), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Miscellaneous Business Credit Institution (6159), Loan Brokers (6163)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

akta.pro secondary industry

SME Term Loans & Growth Capital (FSAKAGAB)

Keywords

• SME loan guarantees
• Business succession financing
• Startup credit guarantees
• Agricultural credit guarantees
• Public development banking

Headquarters

HQ city

Schwerin

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Avalprovision (Guarantee fee): BMV charges an annual avalprovision (guarantee commission) on the outstanding loan amount. This is the primary revenue stream, calculated as a percentage of the guaranteed loan balance.
2. Bearbeitungsgebühr (Processing fee): A one-time processing fee is charged upon positive decision, calculated based on the applied loan amount. For BMV direkt: 1.50%, minimum €500; for BMV classic: 1.50%; for BMV express: 0.75%; for BMV premium: no processing fee listed; for BMV Agrar Land: 1.00%.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

Bürgschaftsbank Mecklenburg-Vorpommern issues default guarantees (Ausfallbürgschaften) covering up to 80% of credit risk on bank loans and leases for SMEs in Mecklenburg-Vorpommern that lack sufficient collateral. Its guarantee products (BMV classic, BMV premium, BMV express, BMV direkt, and BMV Agrar Land) support founding, growth, stabilization, succession, and rural/agricultural financing. The bank also mediates subsidized ERP loans and operates the Nachfolgezentrale MV succession matching service.

Product overview

Bürgschaftsbank Mecklenburg-Vorpommern operates as a regional development bank providing guarantee-based financing solutions for small and medium enterprises. The company offers a portfolio of six guarantee programs (BMV premium, BMV classic, BMV express, BMV direkt, BMV Agrar Land) and manages the ERP-Förderkredit Gründung und Nachfolge promotional loan. These programs are supported by digital services including an online application system (eAntrag), secure document upload portal, financing portal, business valuation calculator (Unternehmenswertrechner/KMU-Rechner), and equity calculator. The company also operates the Nachfolgezentrale MV succession center and conducts regular financing consultation days through IHK partnerships.

Differentiator

Problem solved

Functional benefit

Brands

• BMV classic: Standard guarantee program with tailored solutions for SMEs, guarantee amounts up to 2.0 million EUR.
• BMV premium
• BMV express
• BMV direkt
• BMV Agrar Land
• ERP-Förderkredit Gründung und Nachfolge
• Nachfolgezentrale MV

Products and services

• BMV classic Standard SME loan guarantee program under the bank's core mandate, supporting investments for founding, growth, stabilization, and succession across all sectors of the regional economy. The guarantee is issued jointly with the SME's Hausbank.
• BMV express Expedited SME loan guarantee program for smaller-volume financing requests, providing a faster decision timeline than the standard BMV classic path. Intended for SMEs in Mecklenburg-Vorpommern needing a quick credit decision.
• BMV premium Premium guarantee program targeting larger-volume and longer-term SME financing in Mecklenburg-Vorpommern, providing up to 80% default guarantee cover under the bank's core mandate.
• BMV direkt Direct-to-bank guarantee channel that allows SMEs in Mecklenburg-Vorpommern to apply to the guarantee bank directly, complementing the standard partner-bank mediated application process.
• BMV Agrar Land Sector-specific guarantee program for agricultural and rural SMEs in Mecklenburg-Vorpommern, adapted to the risk and collateral structure of agricultural lending for investments, operations, and farm succession.
• ERP-Förderkredit Gründung und Nachfolge Federal ERP subsidized loan program for SME founders and successors in Mecklenburg-Vorpommern, mediated through the guarantee bank alongside BMV guarantees to support founding and business succession financing.
• Nachfolgezentrale MV Succession matching service that connects SME founders and sellers with prospective buyers/successors in Mecklenburg-Vorpommern, complemented by BMV guarantee and ERP-Förderkredit financing for the succession transaction.

Quantifiable outcome

• In 2025, BMV approved 130 projects with a guarantee volume of €38.7M, supporting €51.7M in total financing and 1,966 jobs (1,685 secured, 281 new).
• +2 more outcomes

Named customers16 records

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core.

• Nachfolgezentrale MVcoreStrategic or Co-development Partner · 1 January 2016Digital succession platform co-developed by IHKs, HWKs, and BMV, funded by ESF+. Operates the Nachfolgeportal MV for matching business sellers and buyers in Mecklenburg-Vorpommern. Project staff from BMV facilitate the entire succession process.
• Handwerkskammer Ostmecklenburg-VorpommerncoreStrategic or Co-development PartnerCo-initiator of the Nachfolgezentrale MV project (2016). Refers craftsmen and tradespeople to BMV for financing. Co-organizes Finanzierungssprechtage and the Handwerkspreis der BMV.
• Handwerkskammer SchwerincoreStrategic or Co-development PartnerCo-initiator of the Nachfolgezentrale MV project. Partner in the Handwerkspreis der BMV. Chamber representatives serve on the BMV Verwaltungsrat.
• IHK Neubrandenburg für das östliche Mecklenburg-VorpommerncoreStrategic or Co-development PartnerCo-initiator of the Nachfolgezentrale MV. Co-organizes Finanzierungssprechtage (consultation days) with BMV in Greifswald and Neubrandenburg.
• IHK zu RostockcoreStrategic or Co-development PartnerCo-initiator of the Nachfolgezentrale MV. Co-organizes Finanzierungssprechtage with BMV in Rostock. Hosts the Banken-Match event.
• IHK zu SchwerincoreStrategic or Co-development PartnerCo-initiator of the Nachfolgezentrale MV. Co-organizes Finanzierungssprechtage with BMV in Schwerin. Represents Schwerin region on BMV Verwaltungsrat.
• Verband Deutscher Bürgschaftsbanken e.V. (VDB)coreStrategic or Co-development PartnerNational association of all 16 German guarantee banks. BMV is a member; the VDB organizes the national Handwerkspreis competition. Provides shared standards, risk management frameworks, and national advocacy.

Scale indicators8 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• NRW.BANK: North Rhine-Westphalia's state development bank; broader incumbent offering SME guarantees, equity, and promotional loans across a much larger region, operating a comparable state-backed SME development mandate at greater scale.
• KfW (Kreditanstalt für Wiederaufbau): Germany's national development bank and a key BMV partner via the ERP-Förderkredit Gründung und Nachfolge; KfW operates at a much larger scale nationally and through state banks, making it both an upstream partner and a broad incumbent in the SME development-finance space.

Others

• Verband Deutscher Bürgschaftsbanken (VDB): National association of all 16 German Bürgschaftsbanken of which BMV is a member; VDB coordinates shared standards, the national Handwerkspreis, and collective risk frameworks — making it the most important ecosystem/association for BMV's operations.

Direct peers

• Bürgschaftsbank Brandenburg: Brandenburg-based VDB member guarantee bank; very close peer given shared East German regional context, similar demographic challenges, and identical federal-state promotional mandate.
• Bürgschaftsbank Sachsen: Saxony-based VDB guarantee bank; another East German peer with similar economic-transition context, manufacturing-heavy SME base, and shared public funding mechanisms.
• Bürgschaftsbank Berlin: Berlin-based VDB member guarantee bank; directly comparable institutional peer, though serving a metropolitan rather than rural economy.
• Bürgschaftsbank Baden-Württemberg: One of the 16 German Bürgschaftsbanken under the VDB umbrella, providing state-backed SME loan guarantees in Baden-Württemberg; most direct structural peer to BMV with identical mandate, product architecture, and federal/state funding model.
• Bürgschaftsbank Bayern: Bavarian sister institution in the VDB network, providing Ausfallbürgschaften to Bavarian SMEs; structurally identical to BMV in mandate, governance, and product set, with a larger regional SME base.
• Mittelständische Beteiligungsgesellschaft Mecklenburg-Vorpommern (MBG MV): Local sister institution co-investing with BMV on M-V SME financing; MBG MV provides silent equity participations (stille Beteiligungen) while BMV provides guarantees, making them complementary but co-distributed counterparts serving the same borrower base.

Regional players

• Investitionsbank Mecklenburg-Vorpommern (IB MV): M-V's state investment bank administering EU, federal, and state promotional programs; IB MV and BMV both serve the M-V SME market with complementary (sometimes overlapping) grant, loan, and guarantee instruments, making IB MV the closest regional public-finance peer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/b%C3%BCrgschaftsbank-mecklenburg-vorpommern-gmbh

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bürgschaftsbank Mecklenburg-Vorpommern